Contrasting Upstart (NASDAQ:UPST) & BitFuFu (NASDAQ:FUFU)

BitFuFu (NASDAQ:FUFU) and Upstart (NASDAQ:UPST) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, profitability, earnings, risk, analyst recommendations, institutional ownership and dividends.

Profitability

This table compares BitFuFu and Upstart’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BitFuFu	8.17%	40.15%	13.55%
Upstart	-20.20%	-25.87%	-7.95%

Earnings & Valuation

This table compares BitFuFu and Upstart”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BitFuFu	$452.74 million	1.79	$10.49 million	N/A	N/A
Upstart	$628.83 million	8.93	-$128.58 million	($1.46)	-41.05

BitFuFu has higher earnings, but lower revenue than Upstart.

Risk and Volatility

BitFuFu has a beta of 0.24, meaning that its share price is 76% less volatile than the S&P 500. Comparatively, Upstart has a beta of 2.25, meaning that its share price is 125% more volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and price targets for BitFuFu and Upstart, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BitFuFu	0	0	1	0	3.00
Upstart	2	7	5	0	2.21

BitFuFu currently has a consensus price target of $7.00, indicating a potential upside of 40.85%. Upstart has a consensus price target of $73.38, indicating a potential upside of 22.45%. Given BitFuFu’s stronger consensus rating and higher possible upside, equities research analysts plainly believe BitFuFu is more favorable than Upstart.

Institutional and Insider Ownership

37.3% of BitFuFu shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 35.0% of BitFuFu shares are owned by insiders. Comparatively, 18.1% of Upstart shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

BitFuFu beats Upstart on 7 of the 12 factors compared between the two stocks.

About BitFuFu

BitFuFu Inc. provides digital asset mining and cloud-mining services in Singapore. It also offers miner rental, and miner hosting and sales services to institutional customers and individual digital asset enthusiasts. The company is based in Singapore, Singapore.

About Upstart

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.